The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$52,073
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,645/mo
Today · 4.125%
HK$55,338
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$3,368/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$110,676/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,931
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,484
−HK$1,577/mo
Today · 4.125%
HK$61,061
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,218/mo
Deposit HK$11.42M · loan HK$11.42M · min. income ≈ HK$122,122/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,488
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,431
−HK$1,975/mo
Today · 4.125%
HK$66,406
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$4,041/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$132,812/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,517
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$1,892/mo
Today · 4.125%
HK$73,273
baseline
▲ 0.50% · 4.625%
HK$77,135
+HK$3,862/mo
Deposit HK$9.13M · loan HK$13.70M · min. income ≈ HK$146,546/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,902
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,170
−HK$2,304/mo
Today · 4.125%
HK$77,474
baseline
▲ 0.50% · 4.625%
HK$82,188
+HK$4,714/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$154,948/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,103
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,278
−HK$2,207/mo
Today · 4.125%
HK$85,485
baseline
▲ 0.50% · 4.625%
HK$89,991
+HK$4,506/mo
Deposit HK$6.85M · loan HK$15.99M · min. income ≈ HK$170,970/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,731
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,647
−HK$2,962/mo
Today · 4.125%
HK$99,609
baseline
▲ 0.50% · 4.625%
HK$105,670
+HK$6,061/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$199,218/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,275
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,072
−HK$2,837/mo
Today · 4.125%
HK$109,909
baseline
▲ 0.50% · 4.625%
HK$115,702
+HK$5,793/mo
Deposit HK$2.28M · loan HK$20.55M · min. income ≈ HK$219,818/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$970,551 · Scale 2, in force from 26 Feb 2026)